Never have I found a forum/s where people are genuinely interested in helping each other! it's so nice, it's like if i have a serious problem at 1 am i can post and know that someone will read it and give sound advice. I'm relatively new to these forums and am so grateful to have found them.
a lot like many other forum members, I am getting my life back on track, having a new baby last year with my wonderful hubby, we are focused on getting our credit back on track so that we can buy a home. before it wasn't so important when it was just us, but when baby makes three your whole life and perspective changes Now, I am getting back on track but still have some issues with past decisions that were poor. I always heard that the decisions we make today will affect your future, boy I wish I would have listened 10 years ago when I got that first piece of plastic in the mail! i'm glad to be here and look forward to being here more

Hey!!! I totally agree with Debtstinker... I havent found a forum where people actually want to help each other, until I found this one....and enjoy it along the way doing it too!! Many of the other ones that I used to participate in where filled with folks who went out of their way to flame someone...Not sure about you guys, but my time is limited since I work tons of hours and really dont have time to deal with the flames!!

Well, as for me, I started my credit cleaning process about 2 years ago. I had a lot of cleaning to do!!! I did take a break along the way because it is a tiring process...

The one thing I learned (or reminded..depending on how you look at it) is that it took me several years to get into this mess and it wont take a couple of days to get out of it... It wont take YEARS to clean up my credit report...just some time!!! Tell that to an impatient person (ME!!) isnt satisfying.

LOL..... at goodnatured..... Honesty is the only thing thats decent anymore... Unfortunatley, there are few decent people out there anymore... Its all about them.... I guess I grew up in the wrong time period!! LOL...

I know what you mean, I am certainly for real, I am laying my shameless self out here for the world to see, LOL. Hopefully someone can learn from my experience and mistakes or from the steps that I can take to repair the damage. I really appreciate all the support and advice this forum has to offer.

Hi everybody, I am new to the forums but involved in other forums, look forward to be part of this community.
I am not an expert in anything, just a consumer with some debt, look forward to getting to know you all and hopefully share some ideas on how to get rid of debt.

Thanks to all of you for the warm welcome here, I feel like I am part of the community already. It can only get better, I hope to develop good friends here and be able to put some of my experience to good use for someone else.

Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.

Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.

Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.

Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.

The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.